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you name it...i've hooked it. but there's one... one that's always eluded me. thought i had it in the blizzard of '93. ha! never even came close. sometimes, i actually think it's mocking me. [ engine revs ] what?! quattro!!!!! ♪ >> i'm jim cramer, and welcome to my world. you need to get in the game. firms are going going out of business and he's nuts! they're nuts! they know nothing! i always like to say there's a bull market somewhere -- "mad money," you can't afford to miss it. hey, i'm cramer, welcome to "mad money." welcome to cramerica. other people want to make friends. i'm just trying to save you a little money.

my job is to educate and teach you. call me, 1-800-743-cnbc. sometimes, very rarely, but sometimes we get a metaphor that fits the stock market as strong as this one. even as today the averages stalled, dow sinking 50 points, s&p sliding .26%, nasdaq inching down .01%. sometimes, sometimes there's an analogy so obvious it can explain how in the heck we can have one of the best januarys of all time with the dow up about 6%. >> the house of pleasure. >> giving you the greatest january since 1994, and the s&p rallying about 5%. >> all aboard! >> beating every january since 1997. the secret behind the market's success is right in front of you. and this is one of those times, because this sunday's super bowl encapsulates just about everything that's driving us higher, much higher than people believed possibly coming into 2013. intrigued? all right, so what did we hear

today? we heard as january goes, so goes the rest of the year. we know that of the 11 times since 1950 that the s&p 500 was up more than 5% in january, like this one, we had spectacular advantage for the rest of the year, 10 out of 11 of those times. let me tell you why my super bowl indicator could foretell why we may make 2013 the 11th of 12 years we've been up big after a bountiful january. it's not if the afc wins, the market goes higher, knucklehead prognostications. we don't let that kind of thinking going on on "mad money." no, my theory's based on geographical metaphors. the first, baltimore, home of the ravens. ironically named after the raven, written by edgar allen poe, also coincidentally the author of the purloined letter. when you think of baltimore, you

think of grit, of old line businesses that make things, smokestacks, yes, aging, but still powerful american industrial and manufacturing might. then there's san francisco. home of the niners. a metaphor for america's newest industries of the fastest growth tech and health care. san francisco, the glorious west. and finally, new orleans, the site of the super bowl itself, which is the hub of the north american oil and gas renaissance that's buying so much of what's working in the stock market today. the strength of this market lies at the confluence of the ravens, the niners, and the superdome because the move in january's got phenomenal breadth, encompassing old line industrials represented by baltimore, new tech represented by san francisco, and oil and gas a la new orleans and all three may just be in the first quarter of a terrific year. we are nowhere near the proverbial two-minute warning. first up, the revival of industry represented by the hardscrabble town of baltimore.

after five areas of fits and starts, we're seeing the reemergence of american manufacturing. it's been a long stretch. a long and terrible stretch of underperformance and disappointment. chiefly because of u.s. stagnation, european recession, and a pause in china's growth. things are beginning to click for the industrial economy, the housing market's coming back and responsible for a tremendous amount of january's advance, whether it be whirlpool, another 52-week high for the spin cycle, or sherwin williams. watching paint dry has never been better. or stock super bowl winner pulte homes. >> buy, buy, buy! >> and let's throw in tripoint, a red hot ipo of a home builder that went to an immediate premium. what else is glittering in this grimy industrial portion of the u.s. geography? how about industrial equipment. industrials gain strength as the

month went on. i suspect they will continue to do so as europe stabilizes, america advances, and asia starts to roar. >> buy, buy, buy! >> just like the metaphorical baltimore. california, home of the niners, is coming back strong too. tech, particularly the semiconductors and everything related to the cloud and the internet are roaring here. it's almost as if the incredible slide in apple is fueling dozens of tech stocks to new highs. google's become the new tech leader, but who can ignore the run in none other than facebook? which is up an astounding 16% this year and will be addressed later in "mad money." the internet and the cloud, based on producing winners left and right, and are providing broad leadership that is so much better than just that army of one that was apple. finally there's louisiana, home of the super bowl, and more

important, the energy sector. so far in 2013, it's the leader, it's up 8%. sure, oil's increased in price this year, but that's not what's really behind the energy move. no, it's the astounding renaissance of the american oil industry. where we keep finding more and more oil and gas, and the companies doing the findings keep going higher and higher in price. just think about what core labs, the company with the technology behind finding so much new oil in old places said last night, last night right here when it detailed its quarter. a quarter that by the way drove the stock up $10.44 to finish today, core told us there could be not one, but two gigantic oil fields in this country we don't even know about, the size of the bakken and eagle ford, the two shales that have made the pipe dream of north american energy self-sufficiency into a reality that we could see in just a couple years time. could you imagine? i think america's oil and gas industry is in the early innings

of the second game of the double-header. first game being spindle top. and that's what makes me so hopeful about the rest of the year. beyond just betting history repeats itself. the baltimore-like industrials are beginning to flex their muscles. we've had only one solid quarter from china under our belt. we just jumped over the fiscal cliff in this country. europe just now stabilizing. these recoveries foretell a dramatic increase in orders for our industrials as we saw in the amazing durable goods and purchasing managers reports we just got. as for tech, who could ignore the spending that companies like amazon, facebook, and google are doing to build out their businesses? or how about so many tech firms, firms have put tech spending on hold pending the resolution of the fiscal cliff? orders roaring back. cloud, social, mobile. these are all trends in their infancy and they are based in san francisco. and we will hear more about them tonight from s.a.p. and, believe it or not, dunkin donuts. and oil and gas, we know that oil's going higher.

hovering around $100, and that means more and more discoveries, more and more drilling, of course, that's a big umbrella to find oil. not to mention more job creation from this, the fastest growing, although unloved in washington, industry in america. now, we know that a lot can go wrong, that's that to be sure thing you've got to throw in. if we get a weak employment number tomorrow, we're going to shed some more of january's delicious gains. tech's rally can be ephemeral on a dime. the oil and gas industries had more booms and busts than any other. but all that, i can see why the strength in this january could foretell an advance like we've had over the years that came in with this kind of first month head of steam. we have so often seen narrow leadership in january. just tech, maybe industrials, oil and gas, health care. i've got to go way back, way back to the other super strong january to see this kind of

breadth, the ones in the 1990s that had staying power. here's to bottom line, we can have days like today where profits are taken. but baltimore, to san francisco to new orleans triangle, the one that will come together this sunday epitomizes what's going right in a market led by industrials, tech, and oil. and i think you can go right for many more months to come. there's always more. let's go to rose in pennsylvania, please, rose? >> caller: hey, freezing boo-yah from southwestern pennsylvania, jim. >> man, i know it's cold out there. steeler country. that's why it's so cold. >> caller: that's right. hey, jim, my question is for all the major beer companies facing pressure lately, what's your thoughts on inbev abv? it's a brazilian based beverage company, alcohol and nonalcohol, pays about a 3.2% dividend, a fantastic third quarter that no one realized until about three days ago and brazil is going to host the summer olympics. >> i like this idea very much. >> buy, buy, buy! >> it's one of my favorite stocks.

i've been too focused on diageo. let's go to james in illinois, please, james? >> caller: thank you, mr. cramer. thanks for taking my call. how are you? >> welcome, real good. how about you? >> caller: real well, thank you. i'm calling in regards to under armour. they had a stellar report, came off in the earnings call. and i would like to know if it's early to get in or is it too late, and if i go through the option vehicle, which one would you recommend? >> well, i would not do options, i would do common. and i can tell you that kevin plank's watchword protect the house paid off. it's going higher. the economy's getting better, i think they'll do even better when the game kicks off this sunday, instead of the niners and ravens, you'll have a clearer picture of the industrial, tech, and oil stocks leading the market. and even though the football season will soon be over, i think you can see continued strength ahead for the american stock market. "mad money" will be right back. coming up, get in the game?

technology is moving to the cloud. even the online experience surrounding sunday's big game. could s.a.p.'s presence in this emerging trend help you score? cramer's sitting down with its co-ceo to find out. and later -- slam dunk? do your eyes glaze over during earnings season? dunkin brands provided a wake-up call today, serving up an earnings beat and raising the amount of dough it returns to shareholders. is the stock just heating up, or is this sweet story all baked in? cramer speaks to the ceo. plus -- master key? keycorp is expanding its footprint as the bank looks to take share across the country. is it time to make a deposit, or is its recent run enough reason to cash out? don't miss out on cramer's exclusive of the ceo just ahead. all coming up on "mad money." don't miss a second of "mad money."

follow @jimcramer on twitter. have a question? tweet cramer #madtweets. send jim an e-mail to madmoney@cnbc.com or give us a call at 1-800-743-cnbc. miss something? head to madmoney.cnbc.com.

with the averages taking a breather from the relentless move higher, let's not forget the kind of fabulous forgiving market we have here. the market where you want to buy stocks into weakness because it usually doesn't take very long for the stocks to come roaring back. consider the curious case of s.a.p. this is the largest maker of software for enterprise on earth. and a company with the eye to the future. making major investments in mobile, the cloud and memory computing that helps handle the challenge posed by big data. those are the holy grail of tech investing. a couple of weeks ago on january 15th, s.a.p. announced some preliminary earnings numbers that caused the stock to get it fell down to 77 and change. then a week later, started to come roaring back after giving the full earnings release and

the stock is now above where it stood before the decline. the so-called bad news, just another buying opportunity for s.a.p. shareholders. since we first had s.a.p. back on august 11th, not that long ago, stock up 64% and now less than a point off the high. can s.a.p.'s run continue? let's take a closer look with bill mcdermott to hear more about the quarter. and tell us what he sees for 2013. welcome back to "mad money." how are you? >> nice to be with you. >> now, i owe you an explanation and apology. i fell prey. i was reading these analyst reports where you did the preliminary and morgan stanley saying it was a negative pre-release and goldman saying it was a shortfall. it wasn't. it was just -- >> right. >> it was consistent. what happened? >> well, when you do a preliminary release, you don't get to explain the story. >> right. >> our revenues were up 21%, our profits were in line with what we expected. we added 1,800 people, we consumed two cloud companies and we had the best year in our 40-year history. i'd say they just need a little explanation. >> i think you're right.

and i think our viewers need an explanation of what you do. we talked about nfl fantasy last time, it was terrific. got a super bowl this weekend. in some of your prepared materials you talk about budweiser being able to find out whether people like a particular kind of ad. they're one of the largest advertisers. walk people through your social and mobile and how it helps your clients. >> sure. well, everything starts with the user experience. let's take the fan experience, and since you mentioned football, and budweiser's all about football too, let's talk about the san francisco 49ers. they are one of our flagship teams, and their new stadium is going to be built on s.a.p. technology. so they want to connect with that fan on the mobile device. when you come in with your ticket, they know who you are. they can upsell and cross-sell you but also keep you loyal. it's your birthday, you get a free ice cream cone, your favorite player's kaepernick, you get a discount on the shirt. when you leave the game, somebody gives you a video message and says thanks for coming, jim. they've got the fan happy and loyal.

what happens to san francisco? >> and they want them to win. don't forget. i'm an eagle season ticketholder. i get nothing. >> they have a visionary owner in jed york. he knows how to run an organization. so the team is going to be a best-run business all the way from scouting and player development to the fan experience. now let's go a step further. >> okay. >> you've got the nfl. the league is also running s.a.p. so we can do fantasy football and pick your favorite players and so forth. so this is an end-to-end sports and media solution using big data, best breakthrough in information technology in three decades. everything provisioned to the mobile. so when you think about this sentiment analysis coming from social, social media analysis. budweiser now is going to get feedback. who's buying what? how is my commercial doing? >> it's instant, right? >> it's instantaneous. now they know what demographic they're winning with, what messages are working, what

messages aren't working, so they can precision retail their offering to their constituents. change the game. >> absolutely. absolutely. this is it. bill, we had facebook's earnings last night. it was an interesting theme, and the stock was flat. but what they're basically saying is, listen, we've got to spend like heck, so forget the earnings. you guys spend like heck because you have to, but you care about the earnings. you strike the balance. >> yeah. well, absolutely. we have to grow profitably, jim. >> right. >> if you look at our revenues, we report in euros, but i'll give you round numbers in dollars. we're over a $20 billion u.s. software company. we're delivering much more than $5.5 billion in profit. so the company has to grow profitably. most importantly, though, we want to focus on the customer. if we can have the users of our technology love us, we'll reach the one billion users by 2015. we'll be a greater than 20 billion euro software company, which is somewhere closer to $30

billion. and we'll have 35% operating margins so we deliver a lot of flow through to shareholders. this is who we are. profitable revenue growth driven by customer innovation, it is all about winning for the customer. >> you've also tapped in -- i've been trying to figure out ever since i heard it on the intel call how to make money off the phablet, which is the phone and the tablet. you guys have figured it out. >> our big idea is to be device agnostic, so all the devices are supported by s.a.p. >> you don't care. >> it's all good. >> samsung -- >> it's all good. we want to run business applications so our customers take better care of their customers. so they can provision applications on the mobile, make their customers happy and we secure those devices and those transactions so our customers are best-run businesses. my thing is the knowledge company. >> okay. >> if you think about the cloud big data and mobile and knowing

more about the end-to-end value chain on how to connect with that customer, than any other company in the world, that's the knowledge company. that's s.a.p. >> so the knowledge company even works in an atmosphere like europe where obviously your numbers are as if europe's doing well. what happens to your numbers if europe actually does well itself? >> they go even higher. i mean, we grew 13% in europe. we grew five times faster than our nearest competitor. we're taking share from everybody, and if you look at our competitors, why are they losing? jim, why are they losing? because the eye has to be on innovation. you have to help companies grow. and in europe, even when things are down, they have to be more efficient and lean. >> and you're why when we see the situation about productivity, fewer employees, revenues come up, that's why we get the big earnings per share number. >> indeed. but the big thing too, jim, is the cloud. if you think about the cloud and sap in 2011 in the august show we did together, i started talking about the cloud.

>> right. >> now we're on a one billion run rate for the cloud, two billion euros by 2015. if you think about s.a.p., big brands, bosh, dio, pepsi, they talk about these best of breeds. and the cloud. we've got 300,000 users at pepsi. and these best of breeds come in there now and they can't win. they can't beat us. >> right. >> so we give the customer choice in the cloud. you can run it on premise, you get the mobile, the big data, end-to-end value chain in 25 industries. >> it's working. it's working for the people who watch the show. many of whom, by the way have bought the stock. that's bill mcdermott co-ceo of s.a.p. when you got the breakdown, i owe at home one. maybe bill's made it up for you. after the break, we'll try to make you more money. coming up -- slam dunk? do your eyes glaze over during earnings season?

dunkin brands provided a wake-up call today, serving up an earnings beat and raising the amount of dough it returns to shareholders. is the stock just heating up, or is this sweet story all baked in? cramer speaks to the ceo.

could dunkin brands be the next dominos? given you monster multi-year gains for three straight years since 2010? i'm thinking that's a definite possibility after this quarter. this regional and national donut chain reported an unbelievable number this morning. it is the brand company of both dunkin donuts and baskin robbins, 56 countries all over the world. but the core donut business is mostly concentrated in the east coast of the united states and they're now making major strides by expanding west of the mississippi river, especially in california, which got its first dunkin donuts last year. can you imagine? that means this company has a

ton of room to grow. and because all their stores are franchise operations, putting up new units isn't expensive since they aren't paying for the real estate. this morning dunking reported the company earned 34 cents a share, one cent better than the maes it. but same-store sales were up a solid 3.2% and management gave you a 27% dividend boost, bringing the yield to slightly more than 2% at these levels. i think a dividend hike of that size is one of the most bullish tells out there. the stock hit the all-time high today and closed up 76 cents. let's touch base with nigel travis, the ceo of dunkin brands, find out more about the quarter and what's ahead. mr. travis, welcome to "mad money." how are you? >> thank you very much. >> we've got the merchandise. >> yeah, don't touch it. >> i will not. go west young man. you have got an opportunity that literally could double the number of stores without a problem. >> well, we believe we're going to double the number of stores, we can still build 3,000 east of the mississippi, california, and the west could be 5,000 down the

road. we just starting to put our foot into california. we're opening up, selling the franchises, it's going to take a couple of years to get the stores open. it's part of our contiguous move across the u.s. and we're excited. california and the question i get asked on social media by famous people all the time, can i open a dunkin donuts in california? >> all we want to do. you know that i -- well, before we start, i'm not allowed to go buy a dunkin donuts, but i think of the people who have come on, the franchise i want to own would be one of yours because it seems like most of the people who own them make a lot of money. >> well, we have a lot of people make a lot of money, but we really pay a lot of attention to make sure that our franchisees are successful. we're so disciplined in the way we look at new stores, we're so disciplined in the selection of our franchisees. and this business is simple. it's about great franchise relationships and making sure franchisees have great economics. >> this quarter seemed to be about technology too.

there's more technology going into a new dunkin donuts than there's ever been. >> well, yeah, and our franchisees have invested in that. we've probably got the most consistent p.o.s., surveillance, back office set-up of any franchise business. we've now added on the mobile app, loyalties come in later this year. when i was at papa john's, we turned around online ordering, we're going to do the same with mobile. we're going to take it into one-to-one marketing. i'm really excited. it's going to revolutionize quick-service restaurant models. >> papa john's made a fortune for shareholders under you. >> great company. >> now, you've got k-cups and the numbers out there -- the numbers are unbelievable in terms of comps. >> 30% in the last quarter. >> so that's just additional, right? it doesn't cost any more for you to do that, and you're just making a lot of money on the bottom line? >> yeah, most of all, our franchisees are making a lot of money because the margin in percentage terms not as high as

our beverages or breakfast sandwiches, but dollar margin is great, the sales as i say were up 30% last quarter. we bought in limited time offers for k-cups. i really think they're a lot of growth because if you look at green mountain's sales, brewer sales, they're going up and up and up. and we're going to follow that trend. and the only place to get dunkin' donuts k-cups is in dunkin donut stores. not grocery stores. >> i tried to get the peppermint mocha at your place. we say america runs on dunkin. the critical questions on the conference call was why international wasn't as strong as america. >> we've been international with dunkin for many years. we've had a model that we decided needed to be better in terms of supply chain. we had centralized locations, not the best economic model. we're changing it, and i think you're going to see probably three to five years out, completely different model for dunkin international. it's going to be flexible by country but the key difference for our franchise economics is the supply chain.

>> this might be a trough quarter. flat growth could be trough. >> no, no, it's going to steadily grow. and actually, if you look at dunkin last year, the systemwide sales actually grew 7%. >> okay. >> it wasn't actually as flat as that, the comps were flat, but we did grow new stores. we're right behind our franchisees. we got big international convention next month and i think under the leadership of our new president, they're going to be excited. >> okay. on this call -- i've been on every conference call since you've come public. this was the most you've ever talked about basken robbins. there must be changes afoot. >> baskin international is the jewel in the crown and they grew 299 net new stores last year. baskin u.s. has been turning around. before we all came on, we think it was ignored for a time. we really focused on operations, put k-cups in california. we're focused on unit economics.

and guess what, jim, i think the big secret in our business is the possibility of ice cream cakes globally. 13.6 million we sold last year, an average price of $25 -- >> 300 a day in the stores. >> in korea, the day before christmas, christmas eve, 300 were sold. that's an amazing number. think what we could do if we could drive ice cream cakes up another 25%. >> howard schultz said, listen, we can take china by storm. it seems if anyone can take china by storm it's going to be baskin robbins. >> we've opened five more franchises, 300 more stores in the pipeline. we're excited about baskin robbins in china. everywhere in the world loves ice cream. and we're the leader in hard scoop. as i said, ice cream cakes, sometimes you have freezer issues with ice cream cakes because of space, but we're working around that with smaller cakes. i was in japan last week, which is the leader in cakes. baskin robbins is going to be a

powerhouse. >> to me, i've got to tell you this one great story. it makes so much sense as you hit an all-time high. it's clearly not done. nigel travis, ceo of dunkin brands. i've got to tell you, this stock is going to be the next dominos. and paddy doyle is going to make us a lot of money still in dominos. but dunkin's got the right mojo. stay with cramer. keep up with cramer all day long. follow @jimcramer on twitter and tweet your questions #madtweets. officemax knows... ...tax time can be...well...taxing. so right now we'll give you... ...$10 off any turbo tax deluxe level software or higher! find thousands of big deals now... ...at officemax.

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it is time. it is time for the "lightning round" on cramer's "mad money." i tell you whether to buy or sell. when you hear that sound, the "lightning round" will be over. are you ready? it's time for the "lightning round" on cramer's "mad money." let's go to marco in florida. marco. >> caller: boo-yah! >> like that. >> caller: i'm looking for a good entry point for southern copper. >> no, we worry about that yield. we are not, not, not going to go there. we will go with vale the iron ore company.

let's go right now to don in ohio. don. >> caller: buckeye boo-yahs from ohio. i'm a new investor and i want to know if kfn is a good start-up. >> yes, it is, it's terrific. >> buy, buy, buy! >> i believe the ohio state football team is going to roar back next year. duane in oklahoma? >> caller: boo-yah, jim. >> boo-yah, duane. >> caller: oklahoma, gas country. >> i like it. >> caller: i do too. i like your style. >> thank you. >> caller: i like your enthusiasm, jim. >> my pleasure. >> caller: my question is one oak, oklahoma natural gas, a company i worked for for 35 years and i retired in '94. i've got a lot of interest in it and i'd like your opinion. >> i like one oak because it's got growth and yield. very few stocks have that. i think one oak is a winner. i've liked it since the show began. let's go to don in california. don?

>> caller: hey, jim, this is dividend don from 9th and p street in sacramento, california. >> i lived at 10th and p. how dare you? how dare you knock on my car window when i was living there? >> caller: my stock is ngg, national grid. >> you know, everybody has -- there was a period where people were doubting that yield. i've got to tell you, i think that's terrific. i want to be a buyer. catherine in florida. catherine? >> caller: yes, sir, good afternoon. i can't thank you enough. i think the world of you. i'm not going to take your time. lululemon. >> i think after we saw the numbers -- >> buy, buy, buy! >> kevin plank, i'm a buyer of ua, not lulu. eric in new york, eric? >> caller: big new york boo-yah to you, cramer. >> why not, xlviii super bowl boo-yah. >> caller: i'm calling about exxon mobil. looks pretty bearish. >> it's 91.87, not enough juice for this guy. dorothy in illinois. dorothy?

>> caller: this is dorothy cosby martin of illinois. >> okay. >> caller: my question is this -- i own several shares of altria, but i wonder about phillip morris, p.m. and m.o. >> all right. i think pm's good, but i like mo better. i like the yield, i'm a little more worried about international regulations. m.o. is better. let's go to mark in florida. mark? >> caller: hello, mr. cramer, i wanted to follow up on your brilliant call on regional banks. i haven't heard you mention regions financial. i like good going to great. >> regions is good. i like better going to great. but i'm not going to quibble, i think regions is good too. dino in california. >> caller: good to see you doing well, sir. >> thank you, partner. >> caller: real quick.

kerx. should i buy more or cover what i have? >> you know, i have got to do more work. i've been watching this stock go up step by step, inch by inch, slowly it goes higher, but i haven't done enough work. i'm going to have to say -- >> don't buy, don't buy. >> until i do. let's go to alan in south carolina. alan? >> caller: hey, jim, big boo-yah from the sunny south. >> i'm giving you a palmetto boo-yah right back at ya. >> caller: what can you tell me on clearwire? >> clearwire is done. it's a win, move on, lot of other fish to fry. clearwire's finished and so is the "lightning round." >> the "lightning round" is sponsored by td ameritrade. coming up -- master key? keycorp. is expanding its footprint as the bank looks to take share across the country. is it time to make a deposit, or is its recent run enough reason to cash out? don't miss out on cramer's exclusive with the ceo just

ahead. nobody is more passionate about the market than i am. nobody in this whole country. >> i wanted to thank you. you have saved my retirement. >> you are why i come out here and do this show. thank you so much. >> the stuff that you're doing for all of us is so important and i just want to say thank you. >> my husband and i watch every day, and we count on your help for small investors like us. >> put cramer's 30-plus years of experience to work for you. "mad money," weeknights on cnbc. ♪ [ indistinct shouting ] [ male announcer ] time and sales data. split-second stats. [ indistinct shouting ] ♪ it's so close to the options floor... [ indistinct shouting, bell dinging ] ...you'll bust your brain box. ♪ all on thinkorswim from td ameritrade. ♪ sic: "make someone happy".

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one of my top themes for 2013 is the rise of the regional banks. now that the housing market is very much on the mend and government regulation of financials seems to be done getting worse, the regionals can have their time in the sun. even the best groups sometimes need to take an occasional breather which brings me to k.e.y. corp for all you home gamers. the regional player that runs keybank. this is one of my favorite regional banks that i own for my charitable trust.

but the stock is also at a major run, up from below $7 to $9 and change now. shortly before the company reported earnings a week ago, because we thought the expectations had gotten so high there was no way to beat them. sure enough, keycorp. reported an excellent quarter, net interest income up 14 basis points. 7% loan growth on an annualized basis. the stock got dinged on the news, falling 30% before bouncing back. now a week later key is finally trading above where it was when it delivered the outstanding results. has this stock with the 2.6% yield cooled down enough to start building a position here? let's check in with the chairman and ceo of keycorp to learn more about how her company's doing. welcome to "mad money." >> thank you, jim. glad to be here today. >> okay. got to ask you point-blank, most of the banks i talked to did not have a good loan increase. you had it. did not have a big net interest margin increase, you had it. how are you able to do that when no other -- when almost no other banks were able to accomplish that? >> we did a couple things, jim.

and first on the loan growth, you're right, we had 7% year-over-year loan growth, really led by our commercial and industrial loans which were up 21% from the same time last year. that's been a targeted strategy of ours to lever ourselves to the business economy, and we also reentered credit cards. that really drove strong loan growth particularly in our commercial loans. and on the net interest margin side, you're right, we experienced expansion when many others are feeling the pressure of the slow interest rate environment. we pulled a lot of levers in our liability side, lowered our cost of interest bearing deposits and liabilities and also grew loans, which has been really helpful. >> we've been very bullish on "mad money" on the midwestern region because of the resurgence of manufacturing. do you think some of your strength also comes from the fact of where you're located? >> i will tell you absolutely this regional economy in the midwest and extending up into the northeast where we have a significant part of our

franchise is what i was called first in to the recession and has been first out. we've seen industrial and manufacturing come back strong and we're well-positioned to not only lend into that but really capitalize on a wide range of opportunities there. so that has been a real growth area and a strength for us. >> okay. now this morning, bernstein research, in a piece i didn't really care for but i wanted to get your response, they took key from a hold to a sell, saying that it would probably be difficult for you to make as much as you did this year next -- as much as you're going to do this year, next year. i would think that you could do easily more than a penny next year than you're doing this year, but that's what they're forecasting. is that too conservative? >> i will tell you, they took key as well as a number of regionals down based on what they thought were some pressures around earnings and revenue growth. i think the thing you highlighted when you did your introduction on us is that we really came through the fourth quarter with revenue growth, loan growth, margin expansion,

we've announced an efficiency initiative. >> you also have momentum in commercial real estate. we had a couple regional banks on in the last few weeks said there's no momentum at all in commercial real estate. obviously something's going right for you guys. >> commercial real estate really does have strong demand. and let me tell you where we're positioned in that market. we did see some amount of on-balance sheet growth, but it's been with our relationship clients. where we see the biggest strength is in our commercial mortgage banking business which had a record year in 2012 because there's a very, very strong market for debt placement, and if you look at our investment banking and debt placement income, it was up 75% year-over-year and some piece of that was driven by the strength in commercial mortgage banking. >> so you also have a book value that i think scrubbed very clean as many of the book values are because of the regulators and you're trading below book. do you think when the federal government does the next round of tests, of which i think

you'll pass swimmingly, you can even return more capital to your shareholders than you've already done? >> jim, what we said is we like our starting point turning into this year's capital testing. we have 11.2% tier one common. last year we returned a little over 50% of our net income to our shareholders, and when we get our results in march, we will look forward to them aligning to what we've said our capital priorities are, which are to increase our dividend and continue to return capital to our shareholders. >> how about fee revenue? i was surprised that did fall 3% in the quarter. that seems unusual for a high-quality bank like yours. >> well, actually, what you had in fee income in the third quarter, we had some nonrecurring gains, related to redemption of our preferreds and lease terminations. if you backed out those non-recurring items in the quarter, we were up 3% linked quarter in fee income and up year-over-year. and, again, we had really strong performance in fee income between our capital markets and our commercial mortgage banking business, both of which had

record years. >> one last question, you've got a huge countrywide branch network including the northwest. does it make sense to have all these branches all over the country given the fact that the strongest area may be where you're located? >> i will tell you that we have always talked about our franchise as becoming a competitive advantage for us. we see a lot of diversity and geographic regions that create different opportunities, they're countercyclical in terms of quality and how they reacted to the recession, and the northwest to us is one of our demographically attractive markets where we see a lot of growth over time. midwest, we've got solid linkages to industrial and manufacturing as well as a long standing franchise and name here. and as you go into the northeast very, very similar to the midwest. we look at our geography as one of the things that gives us granularity and strength and opportunities to balance our loan books, the cost of our liabilities, and really invest regionally for growth. >> well, terrific, beth mooney,

congratulations on having the best net interest income and margin numbers we've seen this quarter and great work and i appreciate you coming on "mad money." >> thank you, jim, glad to be here. >> that's beth mooney, chairman and ceo of keycorp. it is the strongest regional that i follow, and i think the downgrade to sell, no. that's going to -- we're going to look back and laugh at it. stay with cramer. stay connected to cramer on madmoney.cnbc.com.

facebook's great, facebook's horrible, facebook's cheap, facebook's expensive. it's growing like a weed, sister daughter, sister, daughter, sister, daughter. which is which? believe me when i say i'm only hearing extremes about this one. there seems to be no middle ground at all with the stock known as fb. the answer, it's all in the eyes of the beholder. people are seeing what they want to see in facebook. let me start by giving you the bear case, which puts you in the head of the sellers. the only way, frankly, to explain the wild ping-pong game in the stock where it first hangs in, then gets smashed down a couple of bucks, then rallies to be up for the day before finishing down 25 cents. much ado about nothing. the bears, including lots of analysts, were bullish going into the quarter and then subsequently downgraded the stock this morning.

sellers' remorse. are seizing on the fact that facebook is spending like a drunken sailor. they have little to show for it. these investors want results now. they don't want to hear mark zuckerberg say we aren't operating to maximize our profits this year, we're doing what we think will build the best service and business over the long-term. long-term, that's the kiss of death for all the upside surprise folks out there, the ones who figured facebook is the magic formula for mobile, explosive revenue, profit number. they want to beat/raise. they aren't satisfied with the 15 cents per share earnings beat. they needed something like 20 to 25 cents to stay in the stock or cover their shorts or upgrade whatever these analysts do. ironically, the bulls look at the exact same statement from zuckerberg and they love what they see. put simply, they see the next amazon, a company with such a huge growth path that the smartest thing facebook can do is spend as much as possible to get advertisers to pay them

billions of dollars to reach their targets among the company's more than a billion users. the bulls are thinking not about earnings this year, which they don't care about in the least, but about the out years, 2015 when the spending begins to pay off. they are patient, patient as they were with amazon which became one of the greatest performers of all time because the phenomenal founder and ceo jeff bezos never wavered. in fact, these bulls would fear facebook. they'd sell it if it weren't investing, because that would mean the hyper growth phase is already over and they'd be stuck with another intel, microsoft, played out stocks, generate a lot of cash, little growth. where do i come out? i'm agnostic. i understand both sides. i get that facebook's spending could be very meaningful, but i thought they would make more money already. and i do fear that as good as mobile is for facebook, like everyone else, it might not be good enough to offset declines in desktop ad revenue. that said, the opportunity may

be bigger than that of any company i follow. the bears think facebook is being short-term profligate. the bulls think facebook is greedy. i think the bulls have more fire power than bears and the stock can go higher. it's come up so far, so fast the pace will be labored. call me a skeptic, but at a lower price call me a buyer. stick with cramer. living with moderate to severe rheumatoid arthritis

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